Altria Group, Inc. 401(k) match for salaried employees: 3% max
Deferred Profit-Sharing Plan for Salaried Employees · MO · CIK 764180
Maximum employer match, as a share of pay
3%
The Altria salaried plan matches 100% (dollar-for-dollar) of the first 3% of pay.
The match, vesting and enrollment terms below are for salaried employees: they are read from the Deferred Profit-Sharing Plan for Salaried Employees. Altria filed two Form 11-K reports for plan year 2025, of which one has been read. The other report has not, so this page cannot say what the plan it covers pays.
From the Form 11-K filed June 5, 2026 ↗, covering the plan year ended December 31, 2025. Why filings lag
On this page: the formula, word for word · when the money becomes yours · who can join · what else the 11-K reports · how it compares · what to do next
What the Altria salaried plan puts in, and what the plan costs
What the Altria salaried plan puts in
$1,485
a year, at a $49,500 salary.
The match paragraph, word for word
“Company match contributions – Match-Eligible Participants who make before-tax contributions, designated Roth contributions (including before-tax and designated Roth catch-up contributions), and/or after-tax contributions for a payroll period are immediately eligible to receive company match contributions, dollar for dollar, up to the first three percent (3%) of eligible compensation that is contributed for a payroll period.”
What you contribute to collect all of it
Contribute at least 3% of your pay to collect the full match.
That is $1,485 a year at a $49,500 salary, and it scales with your own.
Vesting score
100 out of 100
How fast the employer’s money becomes yours. Higher than 48% of the 253 schedules we have scored.
It measures vesting speed and nothing else. It says nothing about the size of the match, what the plan charges, or the funds inside it.
Share of the employer's money that is the worker's at hire and at each of the first 6 anniversaries: 100%, 100%, 100%, 100%, 100%, 100%, 100%. The score is the average of those 7 readings.
Vesting, word for word
“Participants are fully vested in their employee contributions and company match contributions at all times, and become fully vested in company contributions and supplemental company contributions after completing one year of service (including any prior service with a Participating Company), unless an employee dies, becomes disabled, or reaches age 65 while in active service.”
The plan tops the match up after year end, so contributing unevenly through the year does not cost the worker part of it.
The same match paragraph, word for word
“Company match contributions – Match-Eligible Participants who make before-tax contributions, designated Roth contributions (including before-tax and designated Roth catch-up contributions), and/or after-tax contributions for a payroll period are immediately eligible to receive company match contributions, dollar for dollar, up to the first three percent (3%) of eligible compensation that is contributed for a payroll period.”
The wait before the match starts and the year-end true-up appear above when the filing states them. Neither is part of the score, and a filing that is silent on one of them is not a plan without it.
What the plan costs, against plans of its size
Not reported
No Form 5500 record is joined to this employer, so there is no plan-paid cost to show.
What is the Altria salaried plan's 401(k) match formula?
The Altria salaried plan's 401(k) employer match tops out at 3% of pay. The match is deposited each payroll and the plan pays an annual true-up. What an annual true-up repays is the arithmetic behind that line: it matters most in a year when contributions land unevenly.
| Match formula | 100% (dollar-for-dollar) of the first 3% of pay |
|---|---|
| Maximum employer match | 3% of compensation |
| True-upA year-end recalculation that repays match lost to uneven contributions. | Yes, annual true-up |
| Deposited | Each payroll |
| Conditions | Only Match-Eligible Participants (salaried employees who do not participate in a company-sponsored pension plan) receive the match. The true-up matching contribution for a year generally requires employment with a Participating Company on the last business day of the calendar year, waived for retirement, death, or disability. |
| Other employer contribution | Company contribution of 8%, 10%, or 12% of each eligible participant's compensation depending on whether Altria's actual adjusted diluted EPS annual growth rate is under, within, or above the target range |
| Other employer contribution | Supplemental company contribution of 5% of compensation for Match-Eligible Participants who are eligible for a company contribution |
| Other employer contribution | Aggregate company and supplemental company contributions cannot exceed 3% of Altria's Consolidated Earnings, allocated between this Plan and the Deferred Profit-Sharing Plan for Hourly Employees |
At a $45,000 salary, contributing 3% ($1,350) earns the full employer match of $1,350 for the year.
What the filing says, word for word
“Company match contributions – Match-Eligible Participants who make before-tax contributions, designated Roth contributions (including before-tax and designated Roth catch-up contributions), and/or after-tax contributions for a payroll period are immediately eligible to receive company match contributions, dollar for dollar, up to the first three percent (3%) of eligible compensation that is contributed for a payroll period.”
Source: Form 11-K filed June 5, 2026, SEC EDGAR, corroborated by the filing's inline-XBRL facts · SEC ↗
What is the Altria salaried plan's 401(k) vesting schedule?
The Altria salaried plan vests the employer match immediately: 100% is yours as soon as it is paid in. Nothing is forfeited when you leave, which is not true of the two schedules that vest over time.
| Employer match vesting | Immediate: employer match is 100% vested when contributed |
|---|---|
| Your own contributions | Immediate: always 100% yours |
| Other employer contributions | Company contributions and supplemental company contributions fully vest after one year of service (including prior service with a Participating Company), or upon death, disability, or reaching age 65 while in active service |
Vesting, word for word
“Participants are fully vested in their employee contributions and company match contributions at all times, and become fully vested in company contributions and supplemental company contributions after completing one year of service (including any prior service with a Participating Company), unless an employee dies, becomes disabled, or reaches age 65 while in active service.”
Source: Form 11-K filed June 5, 2026, SEC EDGAR · SEC ↗
Who can join the Altria salaried plan's 401(k), and is enrollment automatic?
The Altria salaried plan enrolls new hires automatically at 6% of pay, rising 1% a year.
| Plan entry | Eligible salaried employees may begin contributing as soon as administratively feasible after their date of hire |
|---|---|
| Match eligibility | Only Match-Eligible Participants (salaried employees who do not participate in a company-sponsored pension plan) are eligible for company match contributions |
| Automatic enrollment | Yes: default deferral 6% of pay; auto-escalation +1%/yr; default investment: Balanced Fund Investment Option (a collective investment fund) for participants without an investment election |
Eligibility, word for word
“Each eligible employee may make before-tax contributions, designated Roth contributions (i.e., after-tax Roth contributions), and after-tax contributions to the Plan as soon as administratively feasible after a participant’s date of hire.”
Automatic enrollment, word for word
“However, employees hired or rehired after a date specific to their employee group are automatically enrolled in the Plan to make before-tax contributions of six percent (6%) of their eligible compensation beginning with the first payroll period after the completion of 90 days of service. Employees who are automatically enrolled can elect not to make contributions or to contribute a different percentage of their eligible compensation. In addition, employees automatically enrolled have their before-tax contributions automatically increased by one percent (1%) each March 1, subject to Internal Revenue Service (“IRS”) limits.”
Source: Form 11-K filed June 5, 2026, SEC EDGAR · SEC ↗
What else does the Altria salaried plan's 11-K report?
The Altria salaried plan held $4.6B in net assets at the end of the plan year ended December 31, 2025.
| Net plan assets (end of plan year) | $4,591,196,000 |
|---|---|
| Trustee / recordkeeper | Fidelity Management Trust Company (trustee of the Altria Client Services Master Trust for Deferred Profit-Sharing Plans); State Street provides sub-custodial services for certain assets |
| Plan auditor | PricewaterhouseCoopers LLP |
| Notable events | During 2025 Master Trust A assets were transferred into Master Trust B, renamed the Altria Client Services Master Trust for Deferred Profit-Sharing Plans (transition completed October 6, 2025); delinquent participant contributions of about $2.5 million were deposited during 2025 with a VFCP application submitted May 13, 2026 |
Source: Form 11-K filed June 5, 2026, SEC EDGAR · SEC ↗
How does the Altria salaried plan's 401(k) match compare?
The Altria salaried plan's maximum 401(k) match of 3% of pay compares with a median of 4.5% across the 181 companies in our data with a computable formula.
Employers worth reading next
Of the six employers below, five land near Altria's maximum match and one vests on the same schedule.
Maximum match 3% of pay, level with Altria.
Maximum match 3% of pay, level with Altria.
Maximum match 3% of pay, level with Altria.
Maximum match 3% of pay, level with Altria.
Maximum match 2.8% of pay, 0.2 points below Altria.
Maximum match 4.5% of pay. Vests immediately too, like Altria.
What can you do next?
Check your own balance and contribution rate at Fidelity NetBenefits ↗, the recordkeeper this plan reports.
- Read the Form 11-K on SEC EDGAR ↗
Form 11-K filed June 5, 2026, SEC EDGAR. Every match fact on this page comes from it.
- Changed jobs? Find an old 401(k) ↗
The Department of Labor's Retirement Savings Lost & Found, a free government database.
- This year's IRS contribution limits ↗
The official deferral and catch-up limits every formula operates under.
- Download this data (CSV)
Formula, vesting and source references for this company, one file.
Questions this filing answers
What is Altria Group, Inc.'s 401(k) match for salaried employees?
The Deferred Profit-Sharing Plan for Salaried Employees covers salaried employees. Altria Group, Inc. matches 100% of employee contributions up to 3% of eligible pay (plan year ended December 31, 2025).
When does the Altria Group, Inc. 401(k) match vest for salaried employees?
Immediate: employer match is 100% vested when contributed.
Does Altria Group, Inc.'s 401(k) plan for salaried employees have automatic enrollment?
Yes: default deferral 6% of pay; auto-escalation +1%/yr; default investment: Balanced Fund Investment Option (a collective investment fund) for participants without an investment election.
Cite: 401(k) Monitor, “Altria Group, Inc. 401(k) plan facts for salaried employees”, from SEC Form 11-K accession 0000764180-26-000086, plan year ended 2025-12-31.